. >> thanks, lee said. the next question is for elise cohen with the national consumer law center. in the context of the qualified mortgage definition -- in your opinion what is a rebuttable presumption of compliance meeting for consumers? >> thank you. first, let me applaud the bureau for the detailed articulation of the rebuttable presumption for subprime borrowers that appears to be included in the rule. we look forward to reading it. including the use of residuals and, as an articulate it reason for rebutting the presumptions. what is it? it is the opportunity to show that your loan was forcibly unaffordable when it was made, even if it meets the definition of a qualified mortgage. it is a chance to save your home if you can prove your case. while the qualified mortgage definition promotes more sustainable landing, there are always gaps, like there were after h.o.p.a., and new products developed. this helps address those instances. beyond consumers, this also relates to how the market functions. the main goal of the rule is to incentivize sustainable lending and good behavior.